More than a third (36 per cent) planned to continue working in their current job with the same hours, while 25 per cent wanted to reduce their hours.

Not having enough money was the most common reason to continue working, while 22 per cent cited enjoying the social side of working and 19 per cent worried they would get bored or lonely at home.

Of those who expect to stop working or reduce their hours before their late 60s, almost one in four (24 per cent) said their job would be too physically demanding to continue, while 18 per cent expected their health would not be good enough.

Almost one in four adults aged 40 to 64 have felt disadvantaged or treated negatively when at work or applying for jobs past the age of 40.

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"As the state pension age increases, working longer is set to become part of life. We're urging the Scottish Government to continue to invest in our older workers, tackle barriers to working, and offer mid-career guidance to everyone who requires it."